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Newbie Needing Help

Hi All,

I reccently applied for a capital one card but got refused. I ordered my credit report and I have a few late payments to 2 different companies (This was done a few years ago when I was younger and not so wise.) I spoke to a lady at equifax and she told me that they would be there for 6 years and some credit card companies have a problem with it.

Is there anything that I can do to get them removed? or Is there a credit card that you can suggest I can apply for?

I have about £500 on my natwest credit card and I would like to transfer it to a 0% so I can pay it off.

Thanks

Henry
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